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Posted by: Maricopa Lawyers on Sep 15, 2015

Going through a car accident can be a jarring experience, both physically and financially, and the greater Phoenix area is known for its dangerous roads. While we’re all doing our best to get through it without any incidents, accidents happen, and sometimes, they’re due to mistakes that we’ve made. If you were in a car accident that’s been deemed your fault, here’s what you can expect to happen next.

Arizona is an “at-fault” state in regards to auto accidents. That means the motorist who’s deemed responsible for an accident is liable for damages that the other driver incurred. If you’re in an accident, it’s important not to admit fault or debate fault at the scene. When the police arrive, be as honest as possible about what you think happened. Afterwards, you’ll have some issues to face.
Tell your insurance company
It’s important to immediately contact your insurance company and tell them you’ve been in an accident. Explain the facts clearly when you do. If the insurance company discovers any lies in your story, you can find yourself in worse trouble, and they could deny you coverage for the accident.

Don’t talk to anyone else about the accident
During the process, it’s important to speak only to the necessary people about the events that occurred, including your lawyer, your insurance company and the police. It’s best to keep quiet around anyone else. If you receive a call from another insurance company, be polite, but ask them to call your attorney or insurer to arrange an interview.

Consider legal counsel
Especially if someone was injured in the accident, an attorney who is aware of the law in Arizona can help you better defend yourself if you’re found to be at fault.

rainy car
Be aware that your premiums will increase. If you’re found to be at fault, your insurance premium will increase for at least several years. Some insurance companies have an accident forgiveness program, but in general, your premiums will go up.